Illinois Auto Insurance

Get a Car Insurance Quote in Illinois

In Illinois, car insurance isn't just a legal requirement—it's a critical layer of protection for you, your loved ones, and your vehicle. The state of Illinois mandates that all drivers carry minimum auto insurance coverage to ensure that all parties are covered in the event of an accident. You can also get additional coverage for more financial protection from damage to your vehicle.

Eager to hit Illinois roads with confidence? Get an auto insurance quote today and find the perfect coverage tailored to your needs.

Illinois Car Insurance Requirements

While some types of coverage are required, you have the option to reject others. These are the minimum coverage requirements for car insurance in Illinois.

  • Bodily injury liability coverage: $25,000 per person and $50,000 per accident
  • Property damage liability coverage: $20,000
  • Uninsured motorist bodily injury coverage: $25,000 per person and $50,000 per accident
  • Uninsured motorist property damage coverage*: $15,000 with a $250 deductible

* Note that this coverage can be rejected.

Additional Illinois Auto Insurance Coverage

There are additional coverages you may also choose to include on your auto policy. These can include collision coverage, comprehensive coverage, rental reimbursement, emergency roadside assistance, and others. Learn more about car insurance coverages to determine what is right for your situation.

How to Save Money on Illinois Car Insurance

GEICO offers many discounts to Illinois drivers to help lower the cost of car insurance. Some of the common types of car insurance discounts available include:

  • Multi-Vehicle Discount: Protect multiple vehicles with GEICO and receive a discount on your premium.
  • Multi-Policy Discount: Combine your auto insurance with other polices obtained through GEICO—like renters or homeowners insurance—and receive a discount on your auto policy.
  • DriveEasy Discount: Safe drivers can save money when they enroll in DriveEasy, GEICO's safe driving program, and measure their safe driving habits with the GEICO Mobile app.
  • Defensive Driving Discount: Eligible drivers can complete a defensive driving course and get rewarded for safe driving habits.
  • Good Student Discounts: Full-time students who maintain a minimum of B average or higher can be rewarded for their academic excellence with lower car insurance premiums.
  • Military Discount: As a small thank you for their service, service members may be eligible for special discounts on their GEICO car insurance policy.
  • Pay in Full Discount: Pay your term premium in full and receive a discount.

How Much Does Illinois Car Insurance Cost? 

The cost of car insurance in Illinois can vary significantly based on several factors:

Driver’s Age and Driving History: Younger, less experienced drivers and those with traffic violations typically face higher premiums.

Vehicle Type: High-performance or high value vehicles generally cost more to insure.

Location: Urban areas with higher rates of accidents and theft might see higher premiums than rural areas.

Understanding these factors can help you anticipate your Illinois auto insurance costs and find ways to save.

Why Choose GEICO for Your Illinois Car Insurance?

GEICO has been offering reliable, affordable car insurance since 1936. Here are some reasons why customers choose GEICO:

  • Comprehensive Coverage Options: Whether you need basic liability or more expansive coverage, GEICO offers a wide range of options that can be tailored to suit your needs.
  • Exceptional Claims Service: Available 24/7, GEICO's claims service is designed to provide support and assistance whenever you need it.
  • Convenient Online Tools: Manage your policy, file claims, and get quotes easily through GEICO's user-friendly website and mobile app.
  • Financial Stability: GEICO has been given superior financial stability ratings by esteemed bodies such as AM Best, so you can rest assured we’ve got you covered.

Choosing the right insurer is crucial for ensuring that you have reliable and effective coverage when you need it most. Get a quote from GEICO today and find out why we are a leading choice for car insurance in Illinois.

Important Facts About Illinois Auto Insurance Compliance

Here are some critical facts every Illinois driver should be aware of regarding car insurance regulations and the consequences of non-compliance to avoid legal issues and financial penalties:

Insurance Card Requirement: Illinois' mandatory insurance law requires drivers to always carry their insurance card and present it to law enforcement upon request.

Random Verification: The state of Illinois will randomly select drivers to ensure they have proper car insurance. If selected, you'll receive a letter asking to verify your coverage. The law requires you to fill out the form and return it within 30 days.

Registration Agreement: When you sign your vehicle registration renewal form, you're also promising that the vehicle will be insured during the entire registration period.

Penalties for Non-Compliance: Punishment for not carrying auto insurance in Illinois can be severe. You could have your license plates suspended or receive a minimum fine of $500. Driving with a suspended registration could result in a $1,000 fine.

Get an Illinois Auto Insurance Quote From GEICO

GEICO is here to help you get started on a free Illinois car insurance quote! Discover coverage that combines convenient features with specialized service and the opportunity to save money with available discounts. Get a car insurance quote online now! 

We're here for you 24 hours a day, 7 days a week. The quickest way to contact us is through our app or online. You can also chat for immediate help.